NBS BankMSW:NBS -0.33%79 Pretax Margin % is 68.38% as of Jun. 2025, which is 163% above its 10-year median of 25.98. GuruFocus rates MSW:NBS with a GF Score™ of 79/100 and a GF Value™ of MWK437.87 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,530 Banks companies, NBS Bank ranks better than 95.23% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. NBS Bank's Pre-Tax Income for the
six
months ended in Jun. 2025 was MWK131,782 Mil. NBS Bank's Revenue for the
six
months ended in Jun. 2025 was MWK192,710 Mil. Therefore, NBS Bank's pretax margin for the quarter that ended in Jun. 2025 was 68.38%.
The historical rank and industry rank for NBS Bank's Pretax Margin % or its related term are showing as below:
MSW:NBS'
s Pretax Margin % Range Over the Past 10 Years
Min: -77.69 Med: 25.98 Max: 65.74
Current: 65.74
MSW:NBS's Pretax Margin % is ranked better than 95.23% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs MSW:NBS: 65.74
NBS Bank (MSW:NBS) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
NBS Bank Pretax Margin % Related Terms
NBS Bank Pretax Margin % Historical Data
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The historical data trend for NBS Bank's Pretax Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, NBS Bank's Pretax Margin %, along with its competitors' market caps and Pretax Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
NBS Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, NBS Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where NBS Bank's Pretax Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NBS Bank (MSW:NBS) has a Pretax Margin % of 68.38% as of Jun. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on NBS Bank and its competitors. This is 163% above median its historical median of 25.98. According to the industry distribution chart, NBS Bank ranks #73 out of 1530 companies in the Banks industry, placing it in the top 4.8%.
Is NBS Bank's Pretax Margin % too high?
NBS Bank's current Pretax Margin % of 68.38% is 163% above median its 10-year median of 25.98. The Banks industry median Pretax Margin % is 34.72. NBS Bank's value of 68.38% is 97% above this industry median. Based on the distribution chart, NBS Bank ranks #73 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, NBS Bank has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NBS Bank's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, NBS Bank ranks #73 out of 1530 companies for Pretax Margin %. This places NBS Bank in the top 5% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.72. NBS Bank's value of 68.38% is 97% above this benchmark. While the company's 10-year median is 25.98 vs. the industry median of 34.72, NBS Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NBS Bank's current Pretax Margin % of 68.38% is 97% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on NBS Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NBS Bank's current Pretax Margin % is 68.38%, which is 163% above median its own 10-year median of 25.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NBS Bank stock overvalued right now?
Based on GuruFocus' analysis, NBS Bank (MSW:NBS) is currently considered Significantly Overvalued. The stock's GF Value™ is MWK437.87, compared to a current price of MWK738.55 — trading 68.7% above its estimated fair value. The current Pretax Margin % is 68.38%, which is 163% above median its 10-year median of 25.98 and 97% above the Banks industry median of 34.72. NBS Bank's overall GF Score™ is 79/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For NBS Bank (MSW:NBS), the current Pretax Margin % is 68.38% as of Jun. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is NBS Bank (MSW:NBS) Overvalued in 2026?
Based on GuruFocus' analysis, NBS Bank stock appears to be overvalued.
The current stock price of MWK738.55 is trading 68.7% above its estimated GF Value™ of MWK437.87.
GuruFocus considers NBS Bank to be Significantly Overvalued.
Key valuation signals for MSW:NBS:
Pretax Margin %: 68.38% (163% above median its 10-year median of 25.98)
GF Value™: MWK437.87 vs. price of MWK738.55 (68.7% above fair value)
Industry Position: 97% above the Banks median (#73 of 1530)
No single metric tells the full story. See the MSW:NBS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NBS Bank PLC is predominantly involved in commercial banking, covering corporate and retail banking and treasury management. Services offered by the bank include current account, saving account, investment, loans, international trades, and internet banking. The company segments are divided into geographical areas including Northern region, Central region and the Southern region. Its branches are spread across Malawi.
79GF Score
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